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    • Not at all.  The onus is on them to ensure that their invoice respects the provisions of Schedule 4 of the Protection of Freedoms Act 2012 to establish keeper liability.  Which it can't as the area is covered by bye-laws. Spot on. Irrelevant as to whether you entered into a contract with VCS to pay them £100 if you didn't obey what was written on their silly signs. Who cares?  What about their ridiculous generic Particulars of Claim where they deliberately mix up driver and keeper. And where do they mention this?  You haven't shown us anything. Of course you have to prepare a Witness Statement and you'd better get on with it. This is the problem here - you've disappeared for months & months, haven't kept us updated and presumably haven't read other VCS threads.  That needs to change - now. Otherwise you will lose - simple as that. For a start - please upload the court order which fixes the hearing date plus plus where "VCS mentioned my initial defence was generic and clearly copied from the internet".  We're not mind readers.
    • 2nd class stamp only , get free proof of posting from any PO counter dx  
    • Hi,  It has been a long time but I have had confirmation claim will proceed to hearing in roughly 1 months time.  I was wondering if anyone could advise on defence please.  A few questions I have are: 1) I didn't notify VCS that I was not the driver of the vehicle and the judge may look negatively on this point.  I did not receive any direction in correspondence from VCS  that I should inform them if I was not the driver and that was going to be the foundation for may argument on this point. 2) The vehicle is stopped at a zebra crossing.  Based on the images from VCS for around 10 seconds.  At that time there is someone standing near the zebra crossing and someone else enters my vehicle.  I was going to raise the point that stopping at a zebra crossing when someone is standing near it is to be expected.  I was also going to ask the question how you can have a no stopping zone when there are zebra crossings where the driver is required to stop. 3) The no stopping zone is clearly signposted, however, no drop off or pickup is not clearly signposted with one small sign at the zebra crossing, parallel to the road and on the passengers side.  I was going to challenge that no-drop off or pickup is clearly signposted.  4) VCS mentioned my initial defence was generic and clearly copied from the internet.  It covered 1) Claimant not being in a position to state if the Defendant was the driver at the time.  2) No evidence that claimant's contract with landowner supersedes byelaws & signage isn't legally binding contract. 3) No contractual costs and interest cannot be accrued on speculative charge. I am interested to know if anyone has had success or been unsuccessful with this 'generic' defence. 5) If I should submit an updated defence to the court based on questions 1, 2 & 3.  Or if it is better to only raise these points in court? Thanks.  Any guidance would be appreciated  
    • I honestly don't know, Baz. In addition what I don't  understand (from that pamphlet) is this: The s88 criteria are quite clear and don't need a medical professional to interpret them . The one most relevant to his topic says that an application is not a "qualifying application" if a relevant disability has been declared. The problem with the word "may" is how does the applicant establish whether me "may" driver under s88 when he has not complied with its conditions? I don't know the answer to that either. But to further muddy the waters, the pamphlet says this (about : But the s88 statute says absolutely nothing like that at all. It simply says that if you have declared a relevant disability s88 does not apply. The DVLA pamphlet is simply confusing as far as I can see. That's actually my opinion and that's what I would stick to if it was me making the application. But I'll seek a few opinions from others over the next couple of days.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Can I get a mortgage with a bad credit rating?


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can anyone tell me, about ccj's ? ive got 3 and i want to go back and satisfy them for a mortgage application.

 

Firstly : Is it beneficial to me to satisfy them? as they are 3 yrs old, so on my credit file if i satisfied them , say tomorrow, is it still going to show up as satisfied for the next 6 years? or will they just show for the remaining 3 years?

 

I ask because i was told that it doesnt matter if they are satisfied or not, they are both detrimental to you're credit file.

 

Any help would be greatly appreciated ! xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

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can anyone tell me, about ccj's ? ive got 3 and i want to go back and satisfy them for a mortgage application.

 

Firstly : Is it beneficial to me to satisfy them? as they are 3 yrs old, so on my credit file if i satisfied them , say tomorrow, is it still going to show up as satisfied for the next 6 years? or will they just show for the remaining 3 years?

 

I ask because i was told that it doesnt matter if they are satisfied or not, they are both detrimental to you're credit file.

 

Any help would be greatly appreciated ! xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

 

 

The CCJ will only show for 6 years and if you satisfy them they will be marked as such for the next 3 years until they 'drop' off. It's better to have a satisfied CCJ but realistically I can't see what difference it would make as your rating would be shot either way when applying for a mortgage in the current climate.

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I would never take out another mortgage. The stress/costs just aren't worth it in the long term to gain a few bits of bricks and mortar. Purely my opinion of course based on the facts that you are out on your own once you commit to be being a homeowner. Debts can be secured and you get jack help if you fall on hard times other than your own insurance which is limited and can take a while to kick in.

 

If you had trouble dealing with your finances in the past then don't take on a mortgage and think twice before making a joint application.

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  • 2 weeks later...
I have over £70k in defaults and have just had two mortgage offers at near prime levels from brokers advertising in Exchange and Tart. I am not in a debt management plan and am not paying anyone anything.

 

Please send me some details for this company, please, and thank you. :)

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We are trying to remortage also. Their is not much choice at all if you have past credit problems................ The government will have to come up with something as in years to come more and more people will have a tarnished credit file ............... so where do they go for a mortgage. Nearly all subprime have closed their books..............

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  • 2 years later...

I originally created this post back in 2007 - noodle (who had the details) hasn't used this thread since 2008, and I don't have them anymore. Whatever information there was would be of no use whatsoever now though, as the financial world has certainly changed LOTS since 2007.

 

Quick update though, I never applied for the mortgage. My husband (then boyfriend) had a mortgage on his own house, I moved in with him and now we are waiting for the upturn (however many years that will take !) of the market before we even consider selling the house and applying for a new mortgage. The 25% deposit situation doesn't help, nor does the uncertainty on the house prices.

 

So for us it is a waiting game. We like our house though, and financially are both fine so basically just waiting to upgrade houses when the time is right.

 

To all of you requesting information, the only thing I can think is for you to approach a reputable mortgage broker or a financial advisor. We have a financial advisor who could tap into mortgages that aren't advertised so readily, again this was a few years back.

 

Hope you all find the solutions you are searching for.

 

Joanne

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Hi, this is the first time I've used CAG and not sure if this is the correct procedure but I'm after some help with getting a mortgage. I have a bad credit history but my partner doesn't. I receive disability benefits and my partner is self employed. We have 10% to use as a depost. We want to buy my Dads house which we currently rent. To add insult to injury, I am also under a debt management company which ends in 17 months but could if need be clear my debts if it will help. Any advice would be much appreciated.

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  • 2 months later...

Hi can someone please message me too. Am in a very frustrating position. Am a single mum and have been living in the same 3 bed house since May 2000. I had excellent credit back then...I am self=employed and earn a decent living now but am on a debt plan with credit cards and its like the never never. I have loads of equity in my home and dont want to upgrade but move further out and either downgrade or get the same equivalent mortgate. Halifax of course said no as my credit is very poor because of the DMP. I am at my wits end as even if I rented (which I dont want to do) I would still need to pass a credit check! Does anyone know any good brokers or mortgage companies in 2013 that could help please? would be truly grateful. thanks

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  • 4 weeks later...

Hi noodle, can you pm me the detail too please, and has anyone had any luck in using these details, me and my partner are looking to buy our rented home but both have bad credit but we both work an are on a debt management also , many thanks

Matt:-D

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  • 4 months later...
Hi, I would be grateful if you could pm me the details if they're still available! :-) thanks in advance :-)

 

Hello there.

 

Sending information by PM isn't encouraged here, there's usually no need for it. If you have questions about your own problems please start a thread and we'll do our best to help you. :)

 

My best, HB

Illegitimi non carborundum

 

 

 

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